Move to our low-rate Home Equity Line of Credit and we'll pick up your prepayment penalty. Cl new patented 3D complex," said to diminish fine lines and wrinkles "by 43 percent in the majority of sub- jects" and protect "against the harm- ful effects of the environment." Ahava, whose American office is based in South Carolina, sells well at Sephora, especially among those who "have a social and environmental conscious regarding personal skin care," according to a company spokesman. Among the most popu- lar items: hand cream, body lotion, foot cream and soaps. Ahava's extensive line also includes bath salts, body wash, shampoo and Dead Sea Mineral Mud, which the company labels "miraculous. Ahava products are available at wvvw.jewish.com The ultimate question, though, is whether these Dead Sea products — whether the costly Ahava version or those produced by more minor com- panies (whose creams can, on a good day, be found at places like Big Lots!) actually work. Avi Zechory of Bloomfield Hills has no doubt. "I haven't done scientific testing," he says. But Zechory, who has scle- rodoma, a skin condition with no known cause, has been using Dead Sea products for some time now. Without question, he says, "I'm improving." Zechory likes Ahava's hand cream, which he says is moisturizing and natural, with none of those heavy scents often found in other lotions. Shelly Komer Jackier, also of Bloomfield Hills, is another fan of Dead Sea cosmetics. She uses Ahava, but has tried various Dead Sea creams and gives them all top grade. Jackier says she believes the Ahava night and morning cream has left her skin and face with "a nice, smooth texture." It works for both oily and dry skin. In a word, she says, "Dead Sea products are superb." ❑ " 3.254.. $250 000 $500 000 3 .50A,R. $1 25,000-$249,999 3.75,„R. - $75,000-$1 24,999 4.005R* $25,000-$74,999 Introducing an equity line that pays instead of penalizes. Make the move from another bank's home equity loan to Standard Federal's, and we'll pay your prepayment penalty or early closure fee — up to $350, Plus, there are no application fees, no appraisal fees, no closing costs, and no prepayment penalties, You'll benefit from our tiered-rate structure which provides lower rates for larger lines of credit, regardless of how much you borrow. And application is quick and easy. For more details on this limited-time offer, stop by a nearby branch, call us toll-free at (877) 431 4882, or visit standardfederalbank.com/loans/freedom.html. - True Possibility Standard Federal Bank ABN AMRO 862410 *The Annual Percentage Rates (APRs) on Standard Federal Bank's Home Equity Lines of Credit are tied to Prime. Prime is the highest Prime Rate as published in the "Money Rates" section of The Wall Street Journal on the last publishing day of the calendar month immediately preceding the billing cycle. The margin tied to Prime varies and depends on the approved credit line amount and combined loan-to-value. On May 28, 2004, Prime was 4.00% and the APR on Standard Federal Bank's Home Equity Line of Credit products varied between 3.25% and 7.00%. Prime is a variable rate; as it changes, the APR on your account will change. The maximum APR is 21%. A balloon payment will result at the end of the ten-year draw period. The Home Equity Lines are limited to owner-occupied, 1-4 family principal residences and are subject to no less than a second lien position on your property. You must carry insurance on the property that secures this loan. Flood insurance required if necessary. There is a $50 annual fee after the first year unless you are a member of Credit Exclusives. Consult your tax advisor concerning the deductibility of interest. Closing costs paid by Standard Federal Bank are limited to appraisal, title insurance, flood certification, and recording fees. Any additional fees or conditions imposed by the city, state, or county that the subject property is located in will be the borrower's responsibility. The APRs are subject to change without notice. Details of $350 cash back offer: Upon closing on your Standard Federal Home Equity Line of Credit or Fixed-Rate Loan of $35,000 or more, you may qualify to receive a reimbursement of any prepayment penalty or early closure fee you incurred when paying off an existing second lien home equity loan with another financial institution of $35,000 or more. The maximum reimbursement you may receive is limited to $350. Limit one reimbursement per qualifying loan. Your new Standard Federal Home Equity Loan must be used to pay off an existing second lien balance of $35,000 or more on the property we are using for collateral. This offer may be withdrawn without notice. The reimbursement amount may be considered income to you for tax purposes. You must submit proof of the prepayment penalty or early closure fee you incurred Cr along with the completed reimbursement form you will receive at closing within 60 days of your Standard Federal Home Equity Loan closing date to qualify. Member FDIC. ©2004 Standard Federal Bank NA rEITEI LEASE PULL AHEAD IS BACK! 2004 BUICK RENDEZVOUS CX MSRP LESS $27,1 05' TDAISNICAOR IONFTF -$2/000 REBATE Stk# 597276 'V I If' CHARLIE WARSHAW t RFS" C)F . A NA "AN STN't TaffiffaRCIFF BUICK www.tamaroff.com -$5,000 "plus tax, fide, plates. All rebates to dealer. General Motors employees even less. Sale ends August 2nd, 2004. 248-353- 1 300 28585 Telegraph 7/16 South of 12 Mile • Southfield 2004 63